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versus losing everything including the committee's tax base. while it does not factor in the worst possible scenarios but could still be damages across the gulf coast and northeast or the standards have been applied. ice storms showed that the elevation requirement reserves housing in homes for people to return to after the storm. there are not built to that level. that applies to the building codes. what about the insurance market's? >> is provided by the flood insurance program. if you are not elevated beyond the national flood insurance program, go into this will be a very expensive proposition to people. they will get a discounted rate .howing the reduce risks this will price many people to these decisions. >> do you have any estimates so far of how much the cost of the disaster is going to be borne by private insurance versus state governments versus that no government? they have not chosen for homeowners. it is preposterous of the cost. it was borne by the tax payer. would be the numbers that would be done by the private sector. >> one of the critical things craig has said is
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